Guides
Clear answers to the questions people ask before choosing a debt solution.
Use these guides to understand the practical consequences, then use the Scottish Debt Check if you want to discuss your own circumstances.
Homeowners
Debt solutions and your home
Why equity matters and why homeowners should compare Trust Deed and DAS carefully.
CreditWhat happens to your credit rating?
Understand why formal debt solutions can affect future borrowing.
ComparisonTrust Deed vs DAS
A direct comparison of the two main routes this site focuses on.
Debt HelpTypes of debt
Credit cards, loans, overdrafts and council tax arrears explained.
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You don’t have to work it all out yourself.
Answer a few questions and find out which Scottish debt options may be worth discussing.
✓ Protected Trust Deed✓ Debt Arrangement Scheme✓ Other options where appropriate
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Confidential. No commitment. For Scottish residents.